公开(公告)号：WO2019226489A1

公开(公告)日：2019-11-28

申请号：PCT/US2019/032924

申请日：2019-05-17

Applicant: VISA INTERNATIONAL SERVICE ASSOCIATION

Inventor： ANGELOS, Terry ,  SHEFFIELD, Cuy ,  MALKANI, Anirudh ,  SHANLEY, Anthony

IPC: G06Q20/06 ,  G06Q20/36 ,  G06Q20/40

Abstract: One embodiment of the invention is directed to a method that utilizes a mapping between a blockchain address and a payment credential. In some embodiments, the mapping may have been previously generated based on blockchain data (e.g., one or more blockchain tokens) associated with a blockchain address and a previously provided set of conditions. An authorization request message is later received that includes the payment credential. The blockchain address may be retrieved from the mapping and it may be determined whether the set of conditions have been met. One or more operations may be executed based on determining the set of conditions have been met.

公开(公告)号：WO2023064104A1

公开(公告)日：2023-04-20

申请号：PCT/US2022/045040

申请日：2022-09-28

Applicant: VISA INTERNATIONAL SERVICE ASSOCIATION

Inventor： GHOSH, Pamela ,  GU, Wanyun ,  ZAMANI, Mahdi ,  CHRISTODORESCU, Mihai ,  SHEFFIELD, Cuy

IPC: G06F21/33 ,  G06F21/64 ,  H04L9/32 ,  G06Q20/36 ,  H04L9/00

Abstract: A method is disclosed. The method includes determining, by a delegated certificate authority computer, a tier from a plurality of tiers for a digital wallet provider based on a list of qualifying criteria. The method also includes generating a digital certificate based on the tier, where the digital certificate is used by a digital wallet application computer associated with the digital wallet provider to complete interactions using a digital currency maintained by a blockchain network. The method further includes transmitting, by the delegated certificate authority computer to a digital wallet application computer, the digital certificate.

公开(公告)号：WO2021016195A1

公开(公告)日：2021-01-28

申请号：PCT/US2020/042797

申请日：2020-07-20

Applicant: VISA INTERNATIONAL SERVICE ASSOCIATION

Inventor： GADDAM, Sivanarayana ,  LUYKX, Atul ,  SHEFFIELD, Cuy

IPC: G06Q20/38 ,  G06Q20/40

Abstract: An enhanced federated custodian system is described. One embodiment is directed to a computer system executing instructions to: receive, from one or more members of a federated blockchain on a network of computing devices, an approval for a transaction associated with an authentication capsule; generate, via a first trusted execution environment, a first machine readable code in response to receiving the approval for the transaction; transmit to a cold interaction system, the first machine readable code; and the cold interaction system comprising one or more processors and one or more memories, the one or more memories comprising instructions executable by the one or more processors to: receive the first machine readable code comprising the encrypted information and the approval; decrypt the encrypted information for the transaction and the approval; and generate a private key that corresponds to a public key for the transaction.

公开(公告)号：WO2022020523A1

公开(公告)日：2022-01-27

申请号：PCT/US2021/042645

申请日：2021-07-21

Applicant: VISA INTERNATIONAL SERVICE ASSOCIATION

Inventor： ZAMANI, Mahdi ,  KUMARESAN, Ranjit ,  CHRISTODORESCU, Mihai ,  SHEFFIELD, Cuy ,  PRICE, Benjamin ,  GU, Wanyun ,  XU, Minghua ,  RAGHURAMAN, Srinivasan ,  SAAD, Muhammad ,  OZDAYI, Mustafa ,  MINAEI BIDGOLI, Mohammad Mohsen ,  DAS, Sourav

IPC: H04L9/32 ,  H04L9/08

Abstract: A method includes a first device receiving, from a second device, an interaction request message comprising an amount and a second device certificate. The first device can verify the second device certificate using a server computer public key corresponding to a server computer private key. A trusted application in a secure element of the first device can determine whether or not the amount is less than an offline amount stored in the secure element. If the amount is less than the offline amount, the trusted application can determine an updated offline amount based on the amount. The trusted application can generate an interaction response message comprising the amount and a trusted application certificate. The first device can then provide the interaction response message to the second device.

公开(公告)号：WO2021263032A1

公开(公告)日：2021-12-30

申请号：PCT/US2021/038966

申请日：2021-06-24

Applicant: VISA INTERNATIONAL SERVICE ASSOCIATION

Inventor： PAREKH, Raj ,  KURIEN, Libby ,  SHEFFIELD, Cuy

IPC: G06Q20/06 ,  G06Q20/02 ,  G06Q20/40 ,  G06Q20/38

Abstract: A method is disclosed. The method comprises receiving, by a processing network computer, a plurality of clearing files from a plurality of transport computers. The processing network computer may then generate, based on the data in the plurality of clearing files, a settlement file comprising a first settlement amount and a first destination associated with an account at a custodian computer. The processing network computer may then transmit the settlement file to an authorizing entity computer. The processing network computer may then transmit a transfer instruction file comprising the first destination, a second settlement amount, and a second destination associated with a transport computer to a custodian computer. Later, the authorizing entity computer sends the first settlement amount to the first destination at the custodian computer. Then the custodian computer, or the processing network computer, sends the second settlement amount to the second destination associated with the transport computer.